Next-Gen EMI Security &
Device Collateral Control.
Equip your retail or NBFC operations with institutional-grade Android Enterprise Device Policy Controller (DPC) architecture. Track installments, prevent defaults, and lock delinquent devices instantly.
About Kavach Locker
Who we are and what the platform does.
Kavach Locker is India's premier Android Enterprise Device Policy Controller (DPC) and EMI finance management ecosystem, engineered to eliminate credit default risk for mobile retailers and consumer finance institutions.
Who We Are
Fintech Infrastructure & Device SecurityFounded by veteran enterprise architects and mobile operating system engineers, Kavach Locker bridges the gap between consumer electronics retailers and unbanked or thin-credit customers.
Traditional lending often rejects creditworthy buyers due to fear of device theft or non-payment. By embedding hardware-enforced policy controls into financed smartphones, we turn every handset into a self-securing collateral asset.
Tamper-Proof Device Owner Security
Hardware-enforced kiosk engine survives master recovery wipes, USB developer debugging, and unauthorized SIM substitutions.
What The Platform Does
Kavach Locker provides an end-to-end web console and mobile agent that links customer contracts with smartphone hardware, tracks monthly payments, sends automated alerts, and locks non-compliant devices.
Our Services
Finance records, installment tracking and related locker operations.
Three interconnected pillars providing seamless end-to-end administration for financed smartphone portfolios.
Finance Records Management
Centralized digital ledger pairing customer KYC, smartphone IMEI serials, down payment vouchers, and loan contracts into unified auditable accounts.
- Customer identity & mobile validation
- Automated down-payment receipt generation
- Multi-store dealer contract assignment
Installment Tracking & EMI
Real-time repayment calendar tracking paid, pending, and overdue installments. Integrates automated countdown banners and instant reconciliation.
- 3, 6, 9, 12-month tenure amortization
- Countdown due date reminder overlays
- Integer-precision balance calculations
Related Locker Operations
Hardware-level Android Enterprise Device Owner enforcement. Instant remote screen lockout on default, dynamic offline master PINs, and automated unenrollment.
- Sub-second kiosk lockdown via FCM & SMS
- 15-Minute Dynamic Offline Technician OTP
- Automated release certificate upon completion
How It Works
A clear explanation of the business process.
From the initial counter sale to monthly automated collection and final unencumbered device handover.
Customer Financing & Onboarding
Retailer or NBFC registers the customer record, financed product details (device model, IMEI, principal, down payment, and installment tenure).
Zero-Touch 15-Sec DPC Enrolment
Tap the customer device welcome screen 6 times to scan the secure enrollment QR code. Android Enterprise installs the persistent Device Owner lock agent.
Automated Reminders & Grace Alerts
System dispatches configurable countdown overlays, SMS, and WhatsApp notifications 3 days, 1 day, and on the morning of EMI due date.
Instant Remote Lock / Auto-Release
If EMI defaults, the device immediately transitions into hard kiosk lockout with authorized store contact info. Upon payment confirmation, the device unlocks automatically in 2 seconds.
Why Kavach Locker
Transparency, organized workflows and secure access.
Built upon principles of financial fairness, operational simplicity, and uncompromising hardware security.
Real-Time Portfolio Governance & Recovery Intelligence
Transparency
Both retailers and consumers enjoy complete ledger clarity. Overdue countdown warnings give customers fair advance notice, and receipts are generated automatically upon installment reconciliation.
Organized Workflows
Engineered for busy mobile shops and high-volume finance distributors. Provisioning takes under 30 seconds via QR code, and customer records can be managed, searched, or exported in 1 click.
Secure Access
Unlike ordinary consumer apps that can be uninstalled or bypassed in safe mode, Kavach operates as an Android Enterprise Device Owner. Hard factory resets, ADB debugging, and SIM swaps are blocked.
Platform Features
Customer records, payments, reports and notifications.
Every administrative capability needed to govern, track, and recover financed devices with institutional rigor.
Customer Records
Complete customer profiles linking KYC documents, mobile numbers, active loan contracts, device models, and IMEI serials with zero data leakage.
Payment Management
Seamless multi-mode payment recording. Supports UPI QR, debit/credit cards, and cash on counter with instant receipt generation and auto-unlock dispatch.
Reports & Analytics
Real-time portfolio intelligence. Track monthly collections, aging overdue accounts, store-wise performance, and export official CSV/PDF statements.
Multi-Channel Notifications
Proactive countdown alert overlays on customer devices, paired with automated SMS and WhatsApp reminders before the EMI due date.
Kavach Enterprise Operations Console
Experience how retailers and NBFCs track loans, enforce remote device lockers, and record EMI repayments in real time.
Aarav Sharma
Samsung Galaxy S24 Ultra (256GB)
Pooja Verma
Vivo V30 Pro 5G (512GB)
Rohan Mehra
OnePlus 12R (256GB)
Ananya Deshmukh
Xiaomi 14 (512GB)
Frequently Asked Questions
Answers to common customer questions.
Everything you need to know about Android Device Owner security, offline unlock PINs, enrollment, and loan closure.
Need a live enterprise consultation or test devices?
Our technical solutions team provides 1-on-1 onboarding for retail chains.
Contact Us
Verified contact information and support options.
Connect directly with our enterprise solutions architects and dealership onboarding specialists.
Headquarters & Support
Official corporate details for Kavach Locker
Request Dealership & Platform Demo
Submit your store details. Our technical team will setup a demo environment within 24 hours.
Empower Your EMI Finance Business with Kavach Locker.
Eliminate defaults, automate installment reminders, and manage customer portfolios through India's leading Android Enterprise DPC engine.
Across 2,400+ mobile phone stores and NBFC hubs in India